PROFFINCO
ActivePROFFINCO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €136k and a net result of €-166k. Equity is growing by ~28.1% per year across the filed fiscal years. Its solvency ranks better than 17% of 3175 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-4
Solvency39▼-13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.36 in 2023; short-term debt: 72.6% and cash: 40.9% of total assets), and 86.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
13.8%
Return on assets
-16.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 3175 sector peers (2025).
NBB · sector comparisonPosition among 3175 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
7 d late
2023
2 d late
2022
102 d early
2021
25 d late
2020
20 d late
2019
119 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-166k▼ 35.7%
2023 · €-122k
2018: €7k
2019: €87k
2020: €231k
2021: €308k
2022: €116k
2023: €-122k
2018 → 2025
Working capital
€249k▼ 7.5%
2023 · €269k
2018: €8k
2019: €220k
2020: €326k
2021: €433k
2022: €414k
2023: €269k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€195k-€278k▲ 42.4%€394k▲ 41.6%€272k▼ 31.0%€136k▼ 49.8%
Operating result€283k-€359k▲ 26.6%€195k▼ 45.7%€-93k€-137k▼ 47.7%
Net result€231k-€308k▲ 33.4%€116k▼ 62.4%€-122k€-166k▼ 35.7%
Result per fiscal year
Operating resultNet result
The operating result is €-137k in 2025, compared with €-93k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €986k
Fixed assets
€22k▲ 65.8%
Current assets
€965k▼ 4.3%
Equity and liabilities €986k
Equity
€136k▼ 49.8%
Debt
€850k▲ 13.4%
The debt ratio rises from 73.4% to 86.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-128k▼
2023 · €-84k
Cash flow
€-157k▼
2023 · €-114k
Solvency
13.8%▼
2023 · 26.6%
Current ratio
1.35▼
2023 · 1.36
Quick ratio
1.35▼
2023 · 1.36
Debt / equity
6.23▲
2023 · 2.76
ROE
-121.6%▼
2023 · -45.0%
ROA
-16.8%▼
2023 · -12.0%
Interest coverage
-5.16▼
2023 · -3.56
Debt
€850k▲
2023 · €749k
Debt ≤ 1 year
€716k▼
2023 · €739k
Debt > 1 year
€125k
Income taxes
€4k▼
2023 · €6k
Staff costs
€2.01M▲
2023 · €1.81M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2023
Balance sheet
Code20232025
Assets
Total assets20/58€1.02M€986k▼
Fixed assets21/28€13k€22k▲
Intangible fixed assets21€6k€17k▲
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Current assets29/58€1.01M€965k▼
Amounts receivable within one year40/41€675k€541k▼
Trade receivables40€618k€526k▼
Other amounts receivable41€57k€15k▼
Cash at bank and in hand54/58€328k€403k▲
Deferred charges and accrued income490/1€5k€20k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€986k▼
Equity10/15€272k€136k▼
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€10k€10k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Profit (loss) carried forward14€162k€26k▼
Amounts payable17/49€749k€850k▲
Amounts payable after more than one year17-€125k
Other amounts payable178/9-€125k
Amounts payable within one year42/48€739k€716k▼
Current portion of amounts payable after more than one year42€196k€98k▼
Trade debts44€307k€408k▲
Suppliers440/4€307k€408k▲
Taxes, remuneration and social security45€236k€210k▼
Taxes450/3€36k€21k▼
Remuneration and social security454/9€199k€189k▼
Accrued charges and deferred income492/3€10k€9k▼
Income statement
Code20232025
Remuneration, social security and pensions62€1.81M€2.01M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k▲
Other operating charges640/8€960€998▲
Gross operating margin9900€1.72M€1.88M▲
Operating profit (loss)9901€-93k€-137k▼
Financial income75/76B€7€1▼
Recurring financial income75€7€1▼
Financial charges65/66B€24k€25k▲
Recurring financial charges65€24k€25k▲
Profit (loss) for the period before taxes9903€-116k€-162k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€-122k€-166k▼
Profit (loss) for the period to be appropriated9905€-122k€-166k▼
Appropriation of the result
Profit (loss) to be appropriated9906€162k€26k▼
Profit (loss) brought forward from the previous period14P€284k€192k▼
Social balance
Average headcount (FTE)908726.927.0▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
06-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director discharge3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director discharge3 facts ▸
- General meeting, 01/06/2026
- Director resignation, PVR Management (administrateur)
- Director discharge, PVR Management (administrateur)
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-166k
Net result drops to €-166k, the lowest in the series.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 7 days late
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 2 days late
2023
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 25 days late
2021
31-12
Financial
Highest result since 2018net €308k ▲33.4%
Operating result €359k, net result €308k, both a record.
31-12
Financial
Equity above €200kEq €278k ▲42.4%
4 profitable years in a row build equity to €278k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Equity above €150kEq €195k ▲131%
3 profitable years in a row build equity to €195k.
03-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
05-02-2026
PVR Management: Resigned as Director
17-12-2019
Léon Bruno Arnould: Resigned as Director
22-07-2019
Juliette DUHAMEL: Resigned as Director
17-11-2017
Christian MAES: Resigned as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2015
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kantersteen 471000 BrusselGround area
6,828 m²
Building footprint
7,874 m²
Volume, LiDAR
179,427 m³
Parcel 21804D0900/00E002, Brussels · tallest building 44.7 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
BUSINESS AND FINANCE SOLUTIONS
since 20152.248.587.979
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21804D0900/00E002 | Brussels | 6,828 m² | 1 · 7,874 m² | 44.7 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Connections & network
12 connected companiesNetwork connections
Shared address
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,862 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-11-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:b.arnould@businessfin.be
Phone:0496169502